Real accounting that grows from personal to procurement.
One platform — bank feeds, MTD VAT & ITSA, invoicing, purchase orders, multi-stage approvals, BACS payment runs, cap table, payroll modelling, and fixed assets with the HMRC Capital Allowances helper. UK-first. Unlimited users on every paid tier.
Want a look first? Try the demo with real data — no signup required.
Just need personal budgeting? Try Blankitt Personal Finance — free forever.
Grow without changing tools
Most accounting tools force a painful switch when a freelancer becomes a Ltd or picks up a second trade. Blankitt is one product — bank feeds, contacts, history and chart of accounts come with you up the ladder.
- Step 1PersonalFree. Bank feeds, budgeting, tax estimates.
- Step 2Business£14/mo. Sole trader or single Ltd. MTD VAT + ITSA.
- Step 3Growth£29/mo. Multiple trades or parent + subsidiaries.
Running an accountancy practice instead? See Group £59/mo & Group+ £99/mo →
Every paid tier gets everything
Pricing scales by the number of legal entities you run, not by which features you can see. From the £14/mo Business plan to the £99/mo Group+ — same feature set.
Sales & invoicing
AR end-to-end. Draft, send, get paid, age.
- Invoices, drafts, recurring, branded templates
- Multi-currency invoicing with FX at invoice date
- PDF generation with your brand
- Stripe-hosted payment links on every invoice
- Public payment page — customers settle without logging in
- Aged AR with chase reminders
Procurement & spending controls
The full PR → PO → match → pay spine, with approvals and BACS.
- Purchase Requests → Purchase Orders with full lifecycle
- 3-way match (qty + price + GRN) before bill posts
- Goods Received Notes captured against any PO
- Bills with OCR + email-in (bills+token@bills.blankitt.com) — monthly allowance per tier, opt-in PAYG above
- BACS Standard 18 payment runs with bank-ready files
- Auto Remittance Advice on every payment
- Multi-stage approval workflows — role, named user, segregation-of-duties
Banking & reconciliation
Live feeds, AI categorisation, supplier statements, fraud guard.
- Open Banking via TrueLayer — UK current, credit card, savings
- AI categorisation on every transaction
- Bank rules engine for repeating patterns
- Supplier statement reconciliation
- Fraud detection — employee/supplier match, dormant alerts, bank-change verification, nightly sweep
UK compliance
Built for HMRC, not retrofitted. CIS, MTD, audit, period locks.
- MTD VAT — standard, cash, flat-rate and annual schemes¹
- MTD ITSA quarterly submissions¹
- CIS for construction subcontractors
- Companies House import for officers, PSCs, share data
- Audit log scoped by RBAC role
- Period locks + accounting policies manual (PDF export)
People & headcount modelling
Cost of Employee for UK + Ireland + US + Germany. Forecast next year.
- Cost of Employee modelling — UK + Ireland + US + Germany
- Salary, day-rate, hourly and agency engagements with IR35
- Employment Allowance, Apprenticeship Levy, recoverable SMP/SPL
- Per-employee salary-history audit trail
- 12-month hiring forecast with stacked-bar visualisation
- Budget-vs-actual integration so the forecast is honest
Fixed Assets & Capital Allowances
What QuickBooks and Xero make you do in a spreadsheet — done in-product.
- Depreciation engine — straight-line and reducing balance
- Seven UK SMB asset categories, pro-rata first-month
- Impairment under FRS 102 §27, partial disposals
- Multi-currency with FX gain/loss on disposal
- Component depreciation for split-life assets
- HMRC Capital Allowances helper — AIA, FYA, Main & Special pools with CT600 print-ready output
Equity & Cap Table
Built in. No more spreadsheets, no more £100/mo Capdesk bill.
- Share classes, shareholders, PSC register (every paid tier)
- Directors register tracked to Companies House (every paid tier)
- Companies House import to bootstrap your register
- Options grants with vesting schedules and exercises (Growth+)
- Convertibles and SAFEs (Growth+)
- Funding rounds with dilution preview and waterfall (Growth+)
Reporting
The standard set, PDF-exportable, with sector KPI templates baked in.
- P&L, Balance Sheet, Trial Balance
- VAT return preview
- Aged AR + Aged AP
- Bank reconciliation report
- Customer + Supplier statements
- Sector KPI templates — 12+ verticals (SaaS, agency, construction, hospitality, e-commerce…)
- PDF export across every report
Migration & onboarding
Atomic CSV/xlsx import with 14-day rollback. No spreadsheet wizardry.
- CSV + xlsx upload with auto column mapping
- Atomic commit — all or nothing, no half-imported books
- 14-day rollback window if a migration goes sideways
- Trial balance health check before commit
- Five data types: Chart of Accounts, Contacts, AR, AP, Bank balances
- Concierge call available on request
Time, projects & timesheets
Project-billable hours flow straight to AR.
- Projects with start/end, budget, status
- Timesheets — personal and team
- Project members with role-based permissions
- Hours roll into invoices without re-keying
¹ MTD VAT and ITSA submissions: live HMRC filing is rolling out as our production app is approved by HMRC. Sandbox-tested today; production handshake in HMRC’s review queue. The rest of the MTD machinery (digital records, links between systems, return preparation) ships today.
See the product with real data
No signup, no credit card. Pick a fully-loaded demo workspace and click around for as long as you like — every screen wired up with realistic transactions, contacts, bills, payroll, cap table.
- Sole trader — freelance designer, 8 clients, recurring subscriptions, single bank account
- Limited company — Series A SaaS, contractors, AWS spend, corporation-tax calendar
- Holding group — parent + two subsidiaries with cross-entity reporting
Magic-link access. Demo workspaces stay open for 48 hours.
Entity-based pricing — collaboration is free
Same Blankitt at every tier — the only thing that changes is how many legal entities you can run from one account. Unlimited users and bank connections everywhere.
Growth
Up to 5 entities
Multi-trade sole traders, partnerships, parent + subsidiaries
Start free trialSAML/OIDC single sign-on, audit logging, RBAC, custom roles and full API access are included on every paid tier — we don’t gate features.
500+ employees or replacing an enterprise system?
Bespoke commercial terms, direct line to the founder, custom contracts. Get in touch to talk through what you need.
Talk to usBuilt for accountants, not against them
The Group tier (£59/mo, up to 50 clients) is purpose-built for small UK practices. Bulk MTD filing, per-client branded portals, practice dashboard. We’re recruiting practices into our Accountant Programme — earn revenue share for clients you bring across from Sage, Xero, Clear Books or QuickBooks.
Are you an accountant? Join the programmeHow Blankitt compares
The features SMBs commonly outgrow other tools to find — built in to every paid Blankitt tier.
| Feature | Blankitt | Xero | QuickBooks | Sage | FreeAgent |
|---|---|---|---|---|---|
| HMRC Capital Allowances helper (AIA/FYA pools + CT600 print) | ✓ | — | — | — | — |
| Built-in Cap Table + PSC register + options vesting | ✓ | — | — | — | — |
| Multi-country Cost of Employee (UK + IE + US + DE) | ✓ | — | — | — | — |
| Bill OCR + email-in included on every tier (allowance + PAYG) | ✓ | Paid add-on (Hubdoc) | Paid add-on (Receipts) | Paid add-on (AutoEntry) | — |
| All features included on every paid tier | ✓ | Per-user + feature gates | Per-user + feature gates | Per-user + feature gates | Per-user |
| Unlimited users on every paid tier | ✓ | — | — | — | NatWest customers only |
Competitor positioning as of May 2026. If a row is out of date or wrong, email us and we’ll update it.
Stop dreading your accounts.
Connect your bank, raise your first PO, send an invoice, model next year’s hires — all from one product, in one afternoon.
Start 14-day free trial